IDFC FIRST Bank
FIRST Select
Lifetime freeZero forexDiningTravel
Checked 2 Oct 2026 ·
Annual fee₹0for life
Forex markup0%
Interest≤ 3.85%a month
Network
You earn
Perks & rules
What changed
18 Jun 2026Bonus points on app bookings: 20% on hotels, 10% on flights, up to 8,000 a month
20 Feb 2025Railway lounge visits need ₹20,000 spend in the previous calendar month
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate3 points per ₹200 on most spends (1X = 1 point per ₹200)
Higher rates
- Dining, travel, intl, birthday: 10 points per ₹200 on dining (incl. food delivery), travel, international spends and spends on your birthday
- Bills, insurance: 1 point per ₹200 on utilities, insurance, railways and FASTag
- App travel bookings: Bonus 20% points on hotels and 10% on flights booked in the IDFC FIRST app
Limits
- Points only on spends up to your credit limit in a billing cycle
- App travel bonus: up to 8,000 bonus points a calendar month
Doesn't earn on
- Fuel, EMI transactions and cash withdrawals earn no points
- 10X excludes rent, government, education, wallet loads, utilities, insurance, railways and FASTag
Where it landsWhen the statement is generated, and only if the minimum due was paid by the due date
What a point is worth
Value1 point = ₹0.25 (bank's stated value; also the rate for flight/hotel bookings in the app); ₹99 + GST per redemption
Expiry24 months from the date points are credited
Redemption fee₹99 + GST per redemption
Welcome benefit
Welcome₹500 gift voucher on ₹5,000 spend within 30 days; 5% cashback up to ₹1,000 on the first EMI within 30 days
Milestones
MilestonesNone stated
Airport lounges
Domestic1 domestic airport visit a quarter, unlocked by ₹20,000 spend in the previous calendar month; plus 4 railway lounge visits a quarter on the same spend
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹200–₹5,000, up to ₹300 a statement cycle; no points on fuel
Spending abroad
Forex markup0% (also nil on rupee payments abroad)
Fees
Joining feeNil
Annual feeNil (lifetime free)
Fee waiverLifetime free
If you pay late
Late fee15% of total amount due, minimum ₹100, maximum ₹1,300 (nil below ₹100)
Interest0.71%–3.85% a month (8.5%–46.2% a year), set per customer; 3.99% a month if minimum due is missed
Cash withdrawal₹199 + GST per withdrawal; no interest for up to 45 days
Who can apply
AgeNot stated on product page
SalariedAnnual income of ₹12 lakh or more
Self-employedAnnual income of ₹12 lakh or more (not split by job type)
More perks
Perks
- Buy-1-get-1 movie ticket on District up to ₹125, twice a month, on ₹20,000 spend in the previous month
- Trip cancellation cover up to ₹10,000 (max 2 claims a policy period)
- Roadside assistance worth ₹1,399, up to 4 times a year
- Personal accident ₹5 lakh, air accident ₹1 crore, lost card liability ₹50,000
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- FIRST Select Credit Card product page Product page · 2 Oct 2026
- IDFC FIRST Bank Credit Card MITC & Schedule of Charges Fee schedule · 9 Sep 2026
- FIRST Select Product Usage Guide Card T&C · 8 Sep 2026
- FIRST Select bonus points on app travel bookings T&C Card T&C · 19 Jun 2026
- FIRST Select Credit Card Privileges Card T&C · 19 Jun 2026
Card image: IDFC FIRST Bank's own website.
